Can’t you just provide your insurance company with tenant’s renters insurance policy info and allow insurance companies to hash it out?

If you are going to have trouble with sub to, it will from your insurance company, so I'd tread lightly for sure.

It's not a public company.

I've owned a Payroll/HR/HCM company for the last 15 years and am now looking to transition my time and resources to help my son with his new Wholesaling and Real Estate Investment company. 

It is more of an accounting platform designed for real estate than a management platform.For my STR company I use hospitable and clearing.co for my management and accounting platforms.

I’d recommend finding a property management company that offers leasing-only services.

We negotiated the price down a bit from $350k to $340k and the construction company is committed to pay 2% of seller's paid costs as incentives if I use their preferred lender.

It has a lower turnover than STR but can bring in higher rent than traditional leases.Co-Living Arrangements: Renting rooms individually on a month-to-month basis could generate more income than a single long-term lease while reducing management hassle.Furnished Long-Term Rental: A furnished rental could allow for higher rent and attract tenants who don’t want the STR commitment but still value flexibility.Partner with a Local Boutique STR Manager: Some local companies manage STRs with lower fees than Airbnb's traditional managers and could help keep profits up without 20% fees.Hope that helps you with your decision!

Here's an article with things to consider when selecting a cost segregation company.

I am an agent and investor in the area and my brokerage has a construction company.